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Living in
Lake Monticello.
Lake Monticello is an unincorporated community in Fluvanna County, VA. It has no city government: the county runs it, and the Census counts it as its own place.
About
Life in Lake Monticello
Lake Monticello is a community of 10,820 people in Virginia. The median household income is $106,818, median rent runs about $1,981 per month, and median home values are around $325,900. Unemployment is low at 3.0%, suggesting a relatively healthy local job market.
Lake Monticello at a Glance
Population, income, housing and more
Median Age
42.1 yrs
Poverty Rate
6.7%
Foreign-Born
1.5%
Broadband Internet
97.6%
of households
Population Growth
-0.4%
recent change · Census Bureau
Median household income
Demographics1.5% foreign-born, most often from Dominican Republic
Who lives in Lake Monticello: race and ethnicity, ages, households, languages and countries of origin
In Lake Monticello, the largest foreign-born group is from Dominican Republic (35.2%), and 4.0% of residents speak Spanish at home.
Under 18
21.1%
of residents
65 and Older
24.6%
of residents
Households with Kids
27.0%
anyone under 18
Living Alone
18.4%
of households
Married Couples
62.3%
of households
Avg Household Size
2.50
people
Race & Ethnicity
Hispanic or Latino of any race; other groups are non-Hispanic
Top countries of origin (foreign-born)
Languages Spoken at Home
Cost of Livingrent 25% above VA average
Rent, home values, and income in Lake Monticello
In Lake Monticello, rent runs 25% above the VA average, and home values are 15% below the VA average.
Median rent (per month)
Median home value
Rent Burdened
17.9%
spending 30%+ of income on rent
Severely Rent Burdened
0.0%
spending 50%+
Cost of Living Index
99.1
metro area (BEA) · US avg = 100
Median Property Tax
$2,011
per year, owner-occupied homes
Homeowners
95.9%
of occupied homes are owned
Typical Home Built
1997
median year built
Vacant Homes
8.4%
of housing units
Jobs & Economyunemployment 0.4 pts below VA average
Unemployment in Lake Monticello
Unemployment in Fluvanna County, which includes Lake Monticello, is 0.4 percentage points lower than the VA average.
Unemployment rate
Lake Monticello: Fluvanna County rate (county-wide) · BLS annual average
Unemployment Rate — 10 Year Trend
Fluvanna County (county-wide) · Annual averages
What Lake Monticello Residents Do for Work · share of employed residents by industry
City residents, wherever they work
Commute29.8 min avg
How Lake Monticello residents get to work, and the nearest airports
In Lake Monticello, most residents drive alone to work (63%), and 43% get there in under 30 minutes.
How People Get to Work
Commute Time Distribution
Nearest airports · with airline service
- 16 mi
Charlottesville Albemarle Airport (CHO)
Regional airport · few flights355k passengers boarded in 2025
- 62 mi
Richmond International Airport (RIC)
Medium hub2.5M passengers boarded in 2025
- 85 mi
Washington Dulles International Airport (IAD)
Major hub13.9M passengers boarded in 2025
Straight-line distance. Size is the FAA’s hub category, based on passenger traffic: regional airports may have only a few flights a day.
Safetyviolent crime 67% below national average
Crime rates for 2025
Violent crime in the area policed by the Fluvanna County Sheriff's Office, which covers Lake Monticello, runs 67% below the national average.
Violent Crime Rate
109.6
per 100,000 residents
Below average (329 national, 2025)
Property Crime Rate
383.6
per 100,000 residents
Below average (1,552 national, 2025)
Policed by Fluvanna County Sheriff's Office (county-wide rate)
Natural DisastersThunderstorm Wind most common — 9 events in 2025
Natural hazard risk, storms and earthquakes
FEMA National Risk Index
Very Low
13.5 / 100
Compares expected losses from natural hazards, social vulnerability and community resilience against every US county (higher = more risk).
Fluvanna County, county-wide · FEMA NRI December 2025
In Fluvanna County, which includes Lake Monticello, the most common type is thunderstorm wind, with 9 recorded events in 2025.
Most common events:
Storm events by year
| Year | Events | Top Type | Property Damage |
|---|---|---|---|
| 2025 | 9 | Thunderstorm Wind | $22,000 |
| 2024 | 6 | Thunderstorm Wind | $10,000 |
| 2023 | 5 | Thunderstorm Wind | $18,000 |
| 2022 | 12 | Thunderstorm Wind | $55,000 |
| 2021 | 9 | Winter Storm | $168,000 |
| 2020 | 8 | Heavy Rain | $2,000 |
| 2019 | 7 | Thunderstorm Wind | $20,000 |
| 2018 | 14 | Heavy Rain | $7,000 |
Property damage is the National Weather Service's estimate filed with each event. “None reported” means the events were logged with $0 damage; “Not estimated” means no estimate was filed. Storms covering several counties aren't counted here, since NOAA doesn't split their damage by county.
0 earthquakes of magnitude 2.5+ within 100 miles in the past year
Fluvanna County, county-wide
Air Quality38 median AQI — Good
Days by air quality category (2025)
Air quality in Albemarle County, VA (the nearest EPA-monitored county, about 14 miles from Lake Monticello) is typically good — 294 good-air days per year.
Median AQI
38
Good Days
294
per year
Moderate Days
69
per year
Unhealthy Days
0
per year
Nearest EPA monitor county: Albemarle County, VA (14 mi away)
Climate83°F summers, 28°F winters
30-year climate averages (1991–2020) — monthly temperatures and precipitation
Lake Monticello has warm summers (avg high 83°F) and cold winters (avg low 28°F).
Spring (Mar–May)
65°/45°F
avg high / low
Summer (Jun–Aug)
83°/65°F
avg high / low
Fall (Sep–Nov)
66°/48°F
avg high / low
Winter (Dec–Feb)
46°/28°F
avg high / low
Annual Precipitation
45.5"
Annual Snowfall
15.6"
Hot Days/Year
21
days above 90°F
Freeze Days/Year
90
days below 32°F
Rainy Days/Year
106
Average month
Show month-by-month table ↓Hide table ↑
| Month | High | Low | Precip |
|---|---|---|---|
| Jan | 44°F | 26°F | 2.72" |
| Feb | 47°F | 28°F | 2.73" |
| Mar | 55°F | 35°F | 4.04" |
| Apr | 66°F | 45°F | 3.54" |
| May | 73°F | 54°F | 4.62" |
| Jun | 81°F | 63°F | 4.49" |
| Jul | 85°F | 67°F | 4.92" |
| Aug | 83°F | 65°F | 4.45" |
| Sep | 76°F | 58°F | 4.84" |
| Oct | 66°F | 48°F | 3.96" |
| Nov | 57°F | 37°F | 3.31" |
| Dec | 47°F | 30°F | 3.48" |
Healthcare
Hospitals, ratings, and health insurance in Lake Monticello
Uninsured
3.2%
of residents
No hospitals inside Lake Monticello's limits — nearest hospitals · within 15 miles
Sentara Martha Jefferson Hospital
Acute Care Hospitals · ER available · 9.1 mi away · Charlottesville
University of Virginia Medical Center
Acute Care Hospitals · ER available · 11.7 mi away · Charlottesville
Adult Health · vs. the typical US place
Share of adults. Modeled estimates, not counted cases. “US” = the typical US place.
Medicare-certified hospitals only. Doesn’t include clinics, urgent care, or freestanding ERs.
Education51.8% college degree rate
Schools and degree attainment in Lake Monticello
Public Schools
0
none inside city limits; students attend nearby district schools
Private Schools
1
within city limits
College Degree Rate
51.8%
adults 25+ with bachelor's or higher
Schools located within city limits (2023) — school-level metrics change slowly year to year
Parks & Recreationclosest: Green Springs, 11 mi
Nearby national parks, recreation areas and public libraries for Lake Monticello
Lake Monticello has 8 nearby national parks or recreation areas, closest being Green Springs (11 mi away).
Nearby National Parks & Recreation Areas
Green Springs
National Park Site
11 mi awayShenandoah National Park
National Park
40 mi awayAppomattox Court House National Historical Park
National Historical Park
45 mi awayFredericksburg & Spotsylvania National Military Park
National Military Park
54 mi awayMaggie L Walker National Historic Site
National Historic Site
55 mi awayRichmond National Battlefield Park
National Battlefield Park
64 mi awayPetersburg National Battlefield
National Battlefield
69 mi awayPrince William Forest Park
Park
69 mi awayCities Near Lake Monticello
The closest cities within 60 miles
Planning a move to Lake Monticello?
Read our full moving guide — what it's really like to live here.
Lake Monticello FAQ
Is Lake Monticello, Virginia affordable?⌄
Lake Monticello's median rent is $1,981/month, which is significantly above the national average. The median household income is $106,818/year. Median home value is $325,900.
Is Lake Monticello, Virginia safe?⌄
Lake Monticello is policed by the Fluvanna County Sheriff's Office, whose violent crime rate across its service area was 110 per 100,000 residents in 2025, which is well below the national average — one of the safer cities in the country of 329/100k that year. Property crime rate is 384 per 100,000. As with any city, crime rates vary by neighborhood.
What is the job market like in Lake Monticello, Virginia?⌄
Fluvanna County, which includes Lake Monticello, has an unemployment rate of 3.0%, which is solid, slightly below the national average of 4.3%.
What is the cost of living in Lake Monticello, Virginia?⌄
The cost of living in Lake Monticello is primarily driven by housing. Median rent is $1,981/month and median household income is $106,818/year. The median home value is $325,900. About 18% of renters spend more than 30% of their income on housing.
How is the commute in Lake Monticello, Virginia?⌄
The average commute in Lake Monticello is 30 minutes, which is about average compared to the national average of 26 minutes.
Data from the US Census Bureau, BLS, FBI, NOAA, EPA, Zillow Research and other public sources. Where our data comes from